Retirement Planning

Wherever you are in your career, it's never too early to plan for your future.


Planning for the Future


This part of the Merced County Employees' Retirement Association (MCERA) website focuses on the issues important to you before your retirement-whether you are newly hired, in the midst of your career, or late in your career. At any of these stages you can be thinking about what comes next. Your own retirement is an integral part of the plan.

Benefit Plan


MCERA provides you with a defined benefit plan. Once you have reached retirement eligibility and apply for retirement, your future lifetime benefit is determined by a formula that is based on four factors:
  1. Your age at retirement
  2. Your retirement-compensable salary
  3. What retirement tier you are in
  4. Your total service credit
The various pages on this site will help you understand this formula, each of the four factors, and much more.